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Market MapTucson, AZ
Metropolitan Area

Tucson, AZ

Arizona01 counties
47
/100
Hold
#760 of 894 metros
Top 85% nationally for investing

Market Snapshot

$339,305
Median Home Price
39% above national median
$1,510/mo
Median Rent
9% above national median
5.34%
Rent-to-Price Ratio
Top 67% nationally
-$797
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$339,305
Down Payment (20%)$67,861
Loan Amount$271,444
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,510
Monthly P&I-$1,779
Est. Expenses (35%)-$528
Net Cash Flow-$797/mo
3.5%
Cap Rate (all cash)
-12.3%
Cash-on-Cash Return
5.34%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.5% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
47/100
47
Cash Flow(30%)
50/100

Based on 5.34% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
34/100

Based on -3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
57/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (5.34%)
  • -Declining home values (-3.0% YoY)
  • -Negative cash flow at typical financing (-$797/mo)
  • -Negative leverage (cap rate 3.5% < mortgage rate 6.9%)

Counties in Tucson, AZ

Best Overall
Pima
AZ - Score: 46
Verdict
PimaAZ
1,042,39346$338,250$1,4655.20%HoldView

Click any county to see detailed investment analysis

Compare to Similar Metros

Metro AreaVerdict
Mount Vernon, OH
Mount Vernon, OH
67$274,616$1,4416.29%BuyView
Chicago, IL
Chicago, IL
67$334,512$2,0497.35%BuyView
Rochester, NY
Rochester, NY
67$264,771$1,4906.76%BuyView
El Paso, TX
El Paso, TX
67$225,516$1,5048.00%BuyView
Lafayette, LA
Lafayette, LA
67$193,481$1,3498.37%BuyView
Current
Tucson, AZ
47$339,305$1,5105.34%Hold

The Bottom Line

HoldTucson, AZ is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Tucson, AZ metro area scores 47/100, ranking #760 of 894 US metros (top 85%). The 5.34% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Among 1 counties, Pima shows the strongest investment potential (score: 46). Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-797/mo
Cap Rate
3.5%
Cash-on-Cash
-14.1%

Ready to Invest in Tucson, AZ?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

Single Family1-4 unit rentalsHouse HackOwner-occupiedMultifamily5+ unit propertiesBest CountyPima
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